---
title: "RFPA full text"
canonical: "https://dposchool.com/rfpa"
source: "https://uscode.house.gov/us/usc/119-136/t12/s3401/"
source_note: "Source: United States Code, title 12, published by the Office of the Law Revision Counsel of the U.S. House of Representatives (uscode.house.gov), release point 119-136. The editorial and statutory notes are not reproduced."
text_as_of: "2026-10-22"
language: "en"
publisher: "DPO School"
---

# RFPA Navigator

The full text of Right to Financial Privacy Act of 1978 (12 U.S.C. 3401 to 3423): 23 sections, one page each.

United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026. [Official source](https://uscode.house.gov/us/usc/119-136/t12/s3401/)

## Contents

### Chapter 35: RIGHT TO FINANCIAL PRIVACY

- [12 U.S.C. 3401 Definitions](https://dposchool.com/rfpa/section/3401)
- [12 U.S.C. 3402 Access to financial records by Government authorities prohibited; exceptions](https://dposchool.com/rfpa/section/3402)
- [12 U.S.C. 3403 Confidentiality of financial records](https://dposchool.com/rfpa/section/3403)
- [12 U.S.C. 3404 Customer authorizations](https://dposchool.com/rfpa/section/3404)
- [12 U.S.C. 3405 Administrative subpena and summons](https://dposchool.com/rfpa/section/3405)
- [12 U.S.C. 3406 Search warrants](https://dposchool.com/rfpa/section/3406)
- [12 U.S.C. 3407 Judicial subpena](https://dposchool.com/rfpa/section/3407)
- [12 U.S.C. 3408 Formal written request](https://dposchool.com/rfpa/section/3408)
- [12 U.S.C. 3409 Delayed notice](https://dposchool.com/rfpa/section/3409)
- [12 U.S.C. 3410 Customer challenges](https://dposchool.com/rfpa/section/3410)
- [12 U.S.C. 3411 Duty of financial institutions](https://dposchool.com/rfpa/section/3411)
- [12 U.S.C. 3412 Use of information](https://dposchool.com/rfpa/section/3412)
- [12 U.S.C. 3413 Exceptions](https://dposchool.com/rfpa/section/3413)
- [12 U.S.C. 3414 Special procedures](https://dposchool.com/rfpa/section/3414)
- [12 U.S.C. 3415 Cost reimbursement](https://dposchool.com/rfpa/section/3415)
- [12 U.S.C. 3416 Jurisdiction](https://dposchool.com/rfpa/section/3416)
- [12 U.S.C. 3417 Civil penalties](https://dposchool.com/rfpa/section/3417)
- [12 U.S.C. 3418 Injunctive relief](https://dposchool.com/rfpa/section/3418)
- [12 U.S.C. 3419 Suspension of limitations](https://dposchool.com/rfpa/section/3419)
- [12 U.S.C. 3420 Grand jury information; notification of certain persons prohibited](https://dposchool.com/rfpa/section/3420)
- [12 U.S.C. 3421 Repealed. Pub. L. 104-66, title III, § 3001(d) , Dec. 21, 1995 , 109 Stat. 734](https://dposchool.com/rfpa/section/3421)
- [12 U.S.C. 3422 Applicability to Securities and Exchange Commission](https://dposchool.com/rfpa/section/3422)
- [12 U.S.C. 3423 Immunity from suit for disclosure of financial exploitation of senior citizens](https://dposchool.com/rfpa/section/3423)

This is reference material, not legal advice.

## For AI agents

- Machine-readable index: https://dposchool.com/rfpa/llms.txt
- JSON API: https://dposchool.com/rfpa/api/v1/index.json
- Vendor privacy and security facts: https://vendor.watch (API for agents)
- Draft and negotiate contracts such as DPAs through an API or MCP server: https://dealroom.todo.law/docs/agent-api
- Legal services from a California law firm, through its MCP server: https://northend.law/agents